Dubuque, IA · Cert 5733
FDIC · 2 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Dubuque, IA · Cert 5733
FDIC · 2 branches
Q3 2015
Market Position · Dubuque, IA · 2015 SOD (annual) · 2.6% share · #6 of 10 inst. · $0.1B of $2.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 1.02% | 0.98% | 0.89% | 0.97% | 1.08% | 1.08% | 1.09% | +20 bps | |
| Return on Equity | 8.51% | 10.13% | 9.82% | 8.99% | 9.74% | 10.77% | 10.82% | 10.87% | +188 bps | |
| Net Interest Margin | 3.72% | 3.65% | 3.56% | 3.55% | 3.57% | 3.59% | 3.54% | 3.50% | -5 bps | |
| Efficiency Ratio | 74.82% | 74.04% | 72.60% | 73.64% | 73.20% | 70.36% | 69.52% | 69.30% | -435 bps | |
| Non-Interest Burden | 2.64% | 2.58% | 2.43% | 2.50% | 2.49% | 2.33% | 2.28% | 2.26% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.09% | 1.76% | 3.72% | 6.17% | 5.07% | 5.65% | 4.89% | 1.61% | -456 bps | |
| Loan Growth (YoY) | 3.44% | 5.80% | 4.60% | 8.50% | 7.03% | 8.52% | 6.11% | 4.68% | -382 bps | |
| Deposit Growth (YoY) | 0.21% | 5.17% | -0.63% | -0.90% | -4.12% | -3.60% | 2.10% | 0.51% | +141 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.04% | -0.04% | 0.04% | 0.08% | 0.08% | 0.07% | 0.09% | 0.10% | +2 bps | |
| Allowance / Loans | 1.00% | 1.01% | 1.01% | 1.01% | 1.00% | 1.00% | 1.00% | 1.00% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | 10.36% | 10.28% | 10.23% | n/a | |
| Total Risk-Based Capital | 13.80% | 12.98% | 12.77% | 12.81% | 13.09% | 12.62% | 12.47% | 12.51% | -30 bps | |
| Equity / Assets | 10.39% | 9.79% | 9.72% | 9.85% | 10.02% | 10.10% | 9.83% | 10.19% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.32% | 93.68% | 100.82% | 102.66% | 104.18% | 105.46% | 104.77% | 106.92% | +425 bps | |
| Liquid Assets / Assets | 0.65% | 0.65% | 0.63% | 0.62% | 0.62% | 0.62% | 0.60% | 0.61% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |